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Hello ! My name is Moftaah,
MBRHE`s virtual assistant. I am here to help answer your questions on Housing Services.
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  • Grants
    • Apply for housing land
    • Apply for housing grant
    • Apply for Housing construction grant
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) grant
    • Apply for apartment grant
    • Apply for a housing construction request on a relative’s land
  • Loans
    • Apply for Housing loan
    • Apply for housing construction loan
    • Apply for housing purchase
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) loan
    • Apply for housing unit loan from local market
    • Apply for housing unit rent
  • Complementary Services
    • Change Service from Housing purchase Loan to Housing Construction Loan
    • Cancel Approved Grant / Loan Application (under consideration)
    • Cancel In Progress Application (Grant / Loan)
  • To Whom It May Concern
  • Request For One Year Maintenance
  • Facilitation Program
  • Payment of Arrears of Installments Due
  • Apply For Early settlement
  • Apply For Liability Letter
  • Apply For Reducing the loan value
  • Apply For Update Customer Data
  • Self Financing Reward "Awad"
  • Business Services
    • Apply For Opening File for New Project
    • Apply For First Payment
    • Apply For Running Payment
    • Apply For Retention Payment
    • Apply For Final Payment
    • Apply For Disbursement of construction loan payments / financial aid grant payments 750 thousand
    • Apply For Housing Maintenance, Addition and Replacement loan payments
    • Apply For To Whom It May Concern Letter for projects with percentage of achievement
    • Apply For Termination and suspension of current contractor
    • Apply For Letter Requesting Discount Price
  • Suppliers and Contractor
    • Suppliers Registration Services
    • Classification and the Nomination Guide for Suppliers
    • Supplier and Contractor Evaluation
  • Application Status
  • Housing Maintenance Status
  • Loan Calculator
  • Housing Cost Calculator
. . . .
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Apply for housing construction loan



Description Client can obtain a no interest loan of 750,000AED maximum to construct a residential house within a specific period.
Client
Fill out form
Organization
Checking the request while reviewing thedata and making sure the terms match
Committee
Recommendation of the Competent Committee
Reject request
Approve the request
further study
Board of Directors
Adopting the decision and informing theclient
Client
Implementation of the Housing ServiceDecision
Icon
Target Audience ​Dubai citizens with income of (15,000 -100,000 AED) can apply.​
Service Fee There are no fees for this service.
Service Channels Customer Service Center + Mobile Application + Website
  • General Terms Icon Terms And Conditions

     

    1. Citizen of the country and holds a passport & civil record issued by Dubai emirate
    2. Applicant or spouse has not previously had any housing loan or gov. housing from any gov entity federal or local.
    3. Not less than 21 years of age.
    4. Not more than 60 years of age
    5. Applicant’s monthly income is more than 15,000 dirhams and does not exceed 100,000 dirhams.
    6. The percentage of monthly deductions shall not exceed 70%
    7. Construction vicinity is not more than 8500Sqm. and the cost of building the house shall not exceed the maximum limit determined by the Board of Directors.
    8. The approval is considered null if the borrower fails to complete the documents and procedures required for disbursing the loan within a maximum period of 730 days (two years) from the date of approval, and those for whom the land map was issued by Dubai Municipality and the first issuance of which did not exceed a calendar year are excluded from this specified period.
    9. Any other conditions determined by the Board of Directors.
    10. Adherence to the controls, decisions and instructions issued by the institution regarding this service

     

Select Gender Requirement varies from gender and civil status

Male
Female
  • Single
  • Married
  • Married 2nd Wife Local
  • Married 2nd Wife Non-Local
  • Divorced
  • Widowed
  • Terms And Conditions
    • All of what is stated in the general conditions
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions
    • All of what is stated in the general Conditions
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions
    1.  All of what is stated in the general Conditions
    2. Has been married for 3 years or more.
    3. has a son and more
    4.  Failed to meet the first housing service to the need of his second family.
    5. Unavailability of a home owned by one of the spouses in the state.
    6. Wife does not benefit from any federal or local housing service
    7. Registration of all sons of the second wife in the Family book.
    8.  Allocation of the loan amount to build (residential unit) on land owned or granted.
    9. The issuance of a technical report on the possibility of building an additional housing unit on the previously granted land (by MBRHE).
    10. The possibility of registering the service in the name of the national wife in the event of an obstacle, subject to the husband's approval 
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions
    1. Has been married for 5 years or more, has a son and more
    2. Registration of all sons of the second wife in the Family book.
    3. The issuance of a technical report on the possibility of building an additional housing unit on the previously granted land (by MBRHE).
    4. Failed to meet the first housing service to the need of his second family.
    5. Wife does not benefit from any federal or local housing service.
    6. Allocation of the loan amount to build (residential unit) on land owned or granted.
    7. All of what is stated in the general Conditions
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions
    • All of what is stated in the general conditions
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions
    • All of what is stated in the general conditions
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Single
  • Married from GGC
  • Married Non-Local
  • Divorced
  • Widowed
  • Terms And Conditions
    All that is mentioned in the general conditions, provided that the land is used.
  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Terms And Conditions

     

    1.     The marriage lasted 5 years and more, has a son and more residing with her.

    2.     Obtain the children a passport issued by the Emirate or the nationality of their father with a valid residence in the country.

    3.     No housing unit owned by any of the spouses in the country.

    4.     Inability of the husband to provide suitable housing

    5.     All of what is stated in the general conditions

  • Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon1 Terms And Conditions
    1- All what is mentioned in the general conditions
    2- The applicant or his spouse did not benefit from a housing loan or government housing from any government agency, whether federal or local.
    3- She has a son or more who live with her
    4- The children obtain a passport issued by the emirate or the nationality of their father with the availability of a valid residency in the country.
    5- Unavailability of a home owned by one of the spouses in the state
    6- Proof of permanent residency with the husband inside the country.
    7- They have been married for 5 years or more.
    8- The husband's inability to provide her with a suitable residence.
     
    Note: Benefit / Gain Land (Grant / Free)
  • Icon2 Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Icon3 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Icon4 Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon5 Terms And Conditions
    1. Proving the social status
    2. Proof of custody or dependency
    3. The number of family members is 4 and more
    4.  All of what is stated in the general conditions
  • Icon6 Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Icon7 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • icon8 Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon9 Terms And Conditions
    1. Proving the social status
    2. Proof of custody or dependency
    3. The number of family members is 4 and more
    4. All of what is stated in the general conditions
  • Icon10 Required Documents

    1.     Fill the service request form

    2.     Fill the building Pledge Form (if not getting a residential plot).

    3.     Color photo of the couple's ID card.

    4.     A color photograph of the passport demonstrating the file No. for the couple

    5.     Color copy of the Civil status record including last page.

    6.     Copy of the child's passport including the passport file no. page for widows, divorcees and married to non local.

    7.     Current verified proof of marriage (if wife is not added to civil record/or request is in wife's name).

    8.     Current proof of civil status for females 18 and above years old (6 month recent)(widows/divorcees/citizen married to non citizen).

    9.     Current proof of children financial support or custody (6 months recent) (widows & divorcees).

    10.   A recent salary certificate not exceeding 6 months or a proof of monthly income that exceeds 15,000 dirhams in addition to proving the monthly income of the husband married to a non-citizens.

    11.   Succession Certificate (only widows and singles without financial supporter/lost parents).

    12.   Proof of academic certificates or a work certificate for children of a citizen married to the Gulf Cooperation Council countries

    13.   Recent financial obligation statement from the bank with income transfer and any other if there are loans not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations

    14.   Bank Statement of last 3 months of income.

    15.   A picture of the residential land map in the case of the benefit of a land grant.

    16.   A copy of the building signs certificate.

     

  • Icon11 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Icon12 Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon13 Terms And Conditions
  • Icon16 Customer Journey
    Step 01 - Select Housing Service
    GETTING A HOUSE CONSTRUCTION LOAN
    Hello! I'm Muftah and I'm here to help you apply for House Construction Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
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